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Re-mortgage
You don't have to move home to move your mortgage.
As an Authorised Mortgage Intermediary and
Independent Mortgage Brokerage, we are not "tied"
to any one Lending Institution, and we can deal with all the
Banks and Building Societies on your behalf to obtain the
best possible interest rates and competitive deal available
to suit your own situation.
We can consolidate your existing mortgage
and loans to reduce your total repayments.
We can also obtain remortgage finance in
order to clear off any loans in arrears or court judgements
you might have (subject to lenders terms and conditions apply).
Contact us for individual details in confidence.
By re-mortgaging you can take advantage of
the potential of lowering your mortgage interest rate, altering
your mortgage term, and lowering your mortgage repayments,
and the opportunity to release equity in your home to borrow
additional finance to:-
- finance the purchase of investment property
- consolidate existing term loans
- consolidate expensive credit card balances
- clear off loan arrears
- clear off court judgements
- change/purchase car
- home improvements
- build an extension
- refit your kitchen
- redecorate your home
- convert your attic
- replace windows and doors
- upgrade heating systems
- holiday
- education
- finance purchase of a holiday home
All remortgages subject to lenders terms &
conditions which apply.
Also, we can organise a re-mortgage to a mortgage
that suits your future plans, flexibility in your repayment
schedule, so you can pay more when you can - including lump
sums, or less if your circumstances change (subject to a minimum
payment).
By paying more you could cut years off the
term of your mortgage and own your home outright much sooner.
You could do this when it suits you, saving money in interest
payments over the term of your mortgage.
A mortgage that calculates interest when you
make each repayment. That way your mortgage balance is reduced
at the same time, rather than yearly. This way you will pay
less interest to the Lender.
You can switch your mortgage from endowment
to annuity, or change to a tax efficient pension mortgage
(if applicable).
You can borrow up to about 90% of the value
of your home.
You can choose all types of mortgage facilities
from annuity/repayment, to investment, and even interest only
or pension mortgages - depending on suitability in each case
and subject to the usual Lenders conditions.
You can top-up your mortgage loan - subject
to the usual lenders conditions.
See our sections on:
Fixed rates and variable rates are available
and are dependent on the movement trend in mortgage interest
rates. Generally, variable interest rates will save on repayments
in the long term, but fixed rates offer security in size of
payment and hence peace of mind.
We can advise you on re-mortgage options available
to your own situation, and can apply for you to the Lending
Institutions to obtain the re-mortgage facility. We can arrange
the whole process for you including obtaining the finance,
surveyor, solicitor, and insurances on your behalf.
We can do all this through the Post with you
- you don't have to meet the Lending Institution. This is
one of the main benefits of Ellison Financial Consultants
Mortgage Brokerage facility.
Contact us
for a personal re-mortgage advice report and quotation on
your own situation.
Consumer
Credit Act, 1995, Mortgage Finance
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